Delta Dental Reviews

I have had Delta Dental Insurance for the past few years through the company that I work for. I will never use them again now that I have a choice. They do okay (not good) with the routine dental work, paying the claim. But if you have any of the major work done where they pay 50% forget it. My dentist office has been fighting with Delta on my behalf for the past year. I had a crown placed on a cracked tooth that was pressure, hot and cold sensitive. They called Delta Dental for preapproval, and I got my quote on the procedure.

Previously had the commercial version of Delta Dental High plan. Coverage was good. In January 2026, I switched to Fedvip Delta Dental High due to loss of commercial coverage. Coverage dropped significantly. I go to an out of network dentist. Out of network dentist charge is $1610 for crown. Under the commercial plan - $1610 was allowed with 50 % coverage after $50 deductible. Now under the Fedvip high plan, only $695 allowed with 40 % coverage after $50 deductible. I called both Commercial and Fedvip side of Delta Dental, to better understand the "why so high under Fedvip plan" - got the customary and usual explanation. Very disappointed - I am now stuck with Fedvip Delta Dental for a year. I am dumping next open season and would not recommend this high plan to anyone.

Just cancelled after having this insurance (I got the PPO) for 3 months. I go to an out of network dentist. The "usual and customary" allowed charges must date back to 1950 because no dentist charges $34 for a cleaning. It makes no sense, and I feel like this company is a rip off.

Worthless - I am currently residing overseas and have coverage with them through my previous employer. Every claim has to be mailed in, hard copy as they don't allow us to do it online. Each claim I send cost me $30-$50 to mail it from where I reside. I already made provision to change to Aetna...they receive claims via their Portal.

The sales representatives are impossible to reach via phone since they will not return my phone messages. They sent an email with links that take me to UNRESPONDED WEB SITES. I found two phone numbers on the web and was on hold for over an hour. I SHOULD NOT BE LOCKED OUT. WHY IS IT SO HARD TO USE THE EMPLOYER PORTAL? Delta Dental forces the customer to do their work for them. It would help if they were USER FRIENDLY instead of CONSTANT ROADBLOCKS. I have never ONCE EVER been able to log in without a problem with my PW.

Horrible insurance. I have submitted a claim 5 times and my dentist 3 times over 3 months and everyone I talk to at Delta Dental says that no claim has been received. This is after personally talking to claims specialist acknowledging it was received and sent for processing. A total scam!

BEWARE, BEWARE, BEWARE of the unethical business practices. Before I joined, I called to inquire about my son's wisdom teeth. They said I'd have to wait 6 months which we did. After I joined, I called again a few months prior to the surgery and again, they confirmed 6 months waiting period. I called right before my son's procedure and so did the surgeon's staff. All good. My son had the surgery and they denied the entire claim as the surgeons decided to put my son under general anesthesia. They wouldn't even pay the amount, taking out the anesthesia costs. $5,000. I asked them 3 times and at no time did they say, "Now if they put your son under.......Just another insurance company looking to find a way "Not" to pay.

Do yourself favor, Do not choose Delta Dental as your provider. Let me start with they claim to have providers everywhere. The closest dentist I could find to my house is over an hour away. I would like to know who in their right mind would ride an hour just to get their teeth cleaned. Please do yourself a favor, Do not choose Delta Dental

I pay my bill every month. Call today to pay my bill and was told that my policy was anecdotal cancel. I wanted to speak to a supervisor and was told no one was available. How can they take my money and cancel my policy? I have medical problems and was schedule for treatment because I am diabetic and have issues. So what are they going to make me do. They will not accept my payment for December. I have been paying on my PPO policy for a long time.

Delta did not even cover the 2 cleanings this year the policy is supposed to cover. My dentist dropped out of their network, which apparently is happening a lot, so I found a new dentist and confirmed they were in-network. Before the appointment, however, I learned they too had dropped out of Delta's network so I cancelled the appointment. The dentist's office, however, filed a claim as if the appointment had taken place and Delta paid it. As soon as I learned of the erroneous claim I notified Delta but apparently the obligation to correct this situation fell almost entirely on me. Delta claims they reached out to the dentist but did not receive a response in time and they closed the case with no discussion with me, just a final notice it was closed.

Absolutely THE worst dental insurance I have ever had! My awesome dentist thinks they are awful too! Coverage amounts haven’t been updated to current expenses in years (like 30). Delta Dental smells bad!!!

My two front teeth were fractured when I drank from a water bottle. The hard plastic flip up straw bumped my two teeth and fractured it. Had to get two crowns, by the way I have had no previous crowns before. Proof of this was sent from my dentist office to Delta when claim was submitted. Then it was denied. No explanation given. After multiple claims being resubmitted back to Delta, and being denied, I (the patient and customer of Delta) had to call them to find out why it was being denied. First I called Delta and they said the claim was denied because these crowns were replacements from the original crowns. HELLO! What part of "I have never had crowns before these two" do you not get. Explained I never had crowns before. Was told that the claim needed to be resubmitted with notes saying that these are original crowns and not replacement crowns. Did that and it was denied again.

The worst customer service and website. The website has always had login issues. AND THEY CAN'T FIX THEM. Even on my cell, phone. So, you call them and they can GET nothing corrected, they have to submit a ticket. You are given a new phone number to call for everything. OH, question with the web portal, call this number. Issue with a bill call this number. Issue with mailing address, call this number. AND THEIR WEB site ALWAYS has some sort of issue that causes it to crash. Phone or lap top it does not matter. Try get help, it will take 7 business days for them to MAYBE get it resolved. OR EVEN UP TO 30 DAYS. I cannot be the only who is suffering through this.

The worst insurance company ever! I had a 6 month cleaning done literally one week before my technical 6 months was up and they refused to pay it, a whole week difference and they said “there wasn’t anything we could so about it.” Absolutely ridiculous. I now have to pay the full amount of the cleaning.

They absolutely suck. I have had a policy since December 2022, I bought it to supplement my Direct Reimbursement through work and cover Orthodontics. I got a renewal notice for December 01, 2025. I am in the process of finally getting braces this December as well. Delta Dental messed up the renewal and is saying I have a waiting period of 1 year for anything besides cleanings and Orthodontia again instead of rolling my policy over for an additional year! I have had the policy for 3 years! At $120 a month for 2 people it isn't worth keeping the policy for a $1500 dollar discount on braces.

What no 0 star?! Just the poorest customer service that I've experienced in 73 years! If you have had the misfortune of dealing with them (customer service) you know what I mean... Simply the worst. Two hours on the phone today to correct a problem that they created and still no resolution. If you expect even fairly decent service...avoid them at all costs.

Don't recommend. They have a 12 month commitment for veterans dental. They are not easy to communicate with and send messages through emails instead of a live Agent. I would not recommend this company.

Specifically got expanded dental to have better coverage. They denied a crown for my 15 year old's permanent molar solely based on the fact he’s 15 and not 16, even though the dentist said it was medically necessary. I’m paying a premium for insurance that refuses to cover “medically necessary” procedures. Scam!

Useless billing system. Avoid at all costs. Aside from the problem that Delta does not accept AmEx, I have had the most difficult time trying to pay monthly premiums. When I first enrolled, I set up autopay and made my first payment. After receiving notice of late payment a month later, I went in and made a manual payment. The portal kept crashing and erroring out when I tried to make the payment, but it finally seemed to go through and I got a receipt. The next month, I went in and it said no payment was due and I was unable to make any future payments. It said the same the next month. I came to discover last week that my Dental policy was prematurely canceled, so I was completely on the hook for expensive dental payments.

Have had this insurance for 2 years now, and can honestly say it's a joke, and not worth the cost. Coverage is terrible; the PPO plan is next to useless if your dentist is out of network...which is why I bought a PPO plan to begin with. I'm dropping the policy for 2026.

Worst insurance company ever. They do not pay claims. They find an excuse not to pay them. I had a crown that I had done and they refused to pay it. They said a person in their office reviewed and said I didn't need it. How does someone sitting at a desk know better than a dentist that is looking in your mouth? What a joke! Find other insurance elsewhere.

Overcharged a Medicaid patient by over $40 a month for several years on a plan that never should have existed in the first place due to coverage restrictions, then refused to make it right and openly said they would hang up if pressed further. Upon moving, their horrible portal lost change of address information and did not provide an accurate list of acceptable dentists who actually did accept the plan in question. I have not received dental care since 2022 despite being billed. When called on this issue, including previous customer service woes, Delta claimed that I had only called three times during five years, despite calling at least twice as many times within the past few years. They had my address listed as one that doesn't even exist.

Like all dental insurance, not worth paying and deductibles are beyond awful. Unfortunate that they prey on individuals that need it. Insurance always comes back needing more payments from you after your service. Not a fan.

Absolutely a rip off. Covered almost nothing when I needed a tooth removed and replaced due to an infection. I needed a bone graft to keep my upper bridge healthy, covered zero percent of that, covered 1/3 of the actual removal, covered none of the replacement tooth, none of the gum graft. I'm guessing companies go with this firm because of its cheap cost, but you really get what you pay for.

I believe this company counts on busy American families not making the time or energy to follow through with denied claims. I have to pay out of pocket for services to be reimbursed, hand-write claims forms and mail/fax for my family of 4. By the time I'm done that work, these claims almost always get denied, perhaps because a machine reviews the forms and not a real human. Often I get denied due to menial "errors" on the forms, not because my procedures aren't covered, but because I provide TOO MUCH information on the form (for example, unsure if the form wants a mailing or physical address for the dental provider, I provide both addresses - denied). By the time I learn we are denied, because Delta Dental does not notify me of denied claims and I have to remember to check back, enough time will have lapsed beyond the coverage period, and now I have to resubmit the claims forms AND file a dispute.

I am extremely disappointed with the way Delta Dental of California has handled my recent dental claim. The denial of coverage for a medically necessary crown procedure—on the grounds that it was cosmetic—was not only unexpected but also financially burdensome. At no point was I informed that such a determination could be made, and the lack of transparency and support throughout this process has been unacceptable. This experience has led me to question the reliability and fairness of Delta Dental’s coverage policies. I urge others to carefully review their plan details and be cautious when relying on this provider for essential dental care.

A simple hygienist visit and Delta Dental makes me pay $106 out of pocket. What is the use of insurance? If I go private I can negotiate better prices. Shit insurance. This is a con. Why do we have to put up with this?

I'd leave zer0 stars if I could. They reimburse so low I've been chasing providers and had to switch 4 times this last year because everyone keeps dropping them. There is a lawsuit against them by the California Dental Association about it.

This company in my opinion has the worst customer service, or lack of customer service. It is not worth the cost if you cannot use the benefits once you paid in for a year. I've tried emailing them on several occasions because there is no phone number to understand why my account is ineligible. Their response is in a secured message which doesn't work when I've tried signing in several times.